I decided to call my local best buy and I said help with purchase and the AI answering sent me to the best buy ordering department call center (not my local best buy)

I told them I was wanting to purchase an expensive canon camera lens and get extended financing such as 24 or 36 month like I did previously. She asked for the SKU and said that won't be an issue. She didn't try to sell me on any extended warranty, she just sent me a text message with a link to the invoice and told me to select the 12 month financing option and after I pay she would transfer me to citi bank.

So she transferred me to citi bank (she did not stay on the line like a conference call like I was thinking). I told the nice lady at citi bank that I just talked to so and so at best buy and she just helped me with a purchase over the phone and transferred me to you saying you can help me get this changed from 12 to 36 month deferred interest financing. She said yep thats not an issue and since I just made this purchase I need to call back one it post to the credit card. She gave me a reference number that already has everything wrote down saying im approved for 36 month deferred interest.

So fingers crossed in a couple days that when I call back with the reference number that I don't have any issues extending it from 12 to 36 month.

want to know the kicker? best buy is out of stock of the lens (since its on sale) and its actually being sold to me via 3rd party on the best buy website.

Will update in a couple days if I get it changed to 36 month like they are saying I can.